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IRA Certificate

Amp up for retirement

Get a high dividend rate with an IRA Certificate and build your retirement account securely.1


Lock in rates

Know what you'll earn over the life of your certificate.


Flexible terms

Choose a certificate term from 12 to 60 months.


Low minimum deposits

Open an IRA Certificate with as little as $1,000.2


Dividends compound quarterly

Watch your savings grow as your dividends compound quarterly.


No fees

There's no fee to open an IRA Certificate.


Transfer funds

Easily transfer funds from other institutions so your savings are in one reliable place.

Today's rates

View more rates

13 months

As high as % APY3

Calculate your earnings4

Final Balance

Contributions:     |    Earnings: 
Lock In Rates

Your rate won't change

No market volatility. No risk. Your rate is locked in at the beginning of the term, and doesn't change during that time.

Low Minimum Deposit

Start big or small

We believe saving for retirement should be accessible for everyone. Start your IRA Certificate with just $1,000 minimum.

Multiple Options

Strategize for tax impacts

With different tax implications during investment and at withdrawal, we offer Traditional, Roth and SEP IRA Certificate options for flexibility.


Members regularly rave about our competitive rates, convenient locations and friendly staff.

— 2023 Relationship Survey

How it works

It's easy to get an IRA Certificate.

  • 1

    Complete an application

    Open an IRA Certificate at a branch or through video banking.

  • 2

    Choose a term

    Determine the best term length and make your initial deposit.

  • 3

    Earn dividends

    Sit back and watch your retirement savings grow.

Schedule an appointment

Have questions? We're here to help!


Schedule an appointment


Schedule now


Meet virtually


Video Banking


Give us a call


Call 1-800-296-8871

Enjoy your retirement


You’ve worked to earn a living, now let your earnings do some work! Open an IRA Certificate today to earn higher dividends on your retirement savings.


Schedule an appointment


1 IRA Certificate eligibility, contributions, and withdrawals are subject to applicable laws and regulations.
2 $1,000 minimum balance. Fees could reduce earnings on the account. A penalty will be imposed for early withdrawal.
3 APY is the Annual Percentage Yield and assumes principal and interest remain on deposit for the term of the certificate. The stated APY is effective as of May 26, 2024 and is subject to change at any time. Fees may reduce earnings.
4 The calculator is provided for informational purposes only and any calculation is solely an estimate based on the information you provide. Contact Members Cooperative Credit Union at 1-800-296-8871 for more information.

Membership required.

Use of online or other electronic services may require specific hardware and software and your agreement to certain terms and conditions. Access is subject to the availability of the internet, cellphone and network coverage and plans, and typical service interruptions stemming from your providers or the credit union’s providers.

Video Banking

Memorial Day Holiday Closure All offices will be closed on Monday, May 27, in observance of Memorial Day. ATMs, mobile services, and online banking are available 24/7! View all our holiday closures.